11/19/2025
CNR Insurance Inc
166 West Street
Annapolis MD 21401
Deborah M. Martin AAI ACSR
(410) 897-9890 (410) 897-5957
[email protected]
David Turch and Associates
517 2nd St NE
Washington DC 20002
Hartford Casualty Insurance Company 29424
Hartford (Rated by Multiple Companies) 00914
25-26 Master
A 30SBAKA2286 11/15/2025 11/15/2026
2,000,000
300,000
10,000
2,000,000
4,000,000
4,000,000
A 30SBAKA2286 11/15/2025 11/15/2026
Included
B 30WECCU1547 11/15/2025 11/15/2026
1,000,000
1,000,000
1,000,000
City of Redondo Beach, Its officers, elected & approved officials, employee & volunteers 415 Diamond Street
Redondo Beach CA 90277
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.
INSURER(S) AFFORDING COVERAGE
INSURER F :
INSURER E :
INSURER D :
INSURER C :
INSURER B :
INSURER A :
NAIC #
NAME:
CONTACT
(A/C, No):
FAX
E-MAIL
ADDRESS:
PRODUCER
(A/C, No, Ext):
PHONE
INSURED
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $
$
$
$
PROPERTY DAMAGE
BODILY INJURY (Per accident)
BODILY INJURY (Per person)
COMBINED SINGLE LIMIT
AUTOS ONLY
AUTOS ONLY AUTOS
NON-OWNED
OWNED SCHEDULED
ANY AUTO
AUTOMOBILE LIABILITY
Y / N
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under
ANY PROPRIETOR/PARTNER/EXECUTIVE
$
$
$
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
ER
OTHSTATUTEPER
(MM/DD/YYYY) LIMITS
POLICY EXP
(MM/DD/YYYY)
POLICY EFF
LTR TYPE OF INSURANCE POLICY NUMBER
INSR
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
EXCESS LIAB
UMBRELLA LIAB EACH OCCURRENCE $
AGGREGATE $
$
OCCUR
CLAIMS-MADE
DED RETENTION $
PRODUCTS - COMP/OP AGG $
GENERAL AGGREGATE $
PERSONAL & ADV INJURY $
MED EXP (Any one person) $
EACH OCCURRENCE $
DAMAGE TO RENTED
PREMISES (Ea occurrence) $
COMMERCIAL GENERAL LIABILITY
CLAIMS-MADE OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:
POLICY
PROJECT LOC
CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)
CANCELLATION
AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.
CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
HIRED
AUTOS ONLY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Form SS 12 23 06 11 Page 1 of 1
© 2011, The Hartford
NOTICE OF CANCELLATION TO CERTIFICATE HOLDER(S)
This policy is subject to the following additional Conditions:
A. If this policy is cancelled by the Company, other than for non-payment of premium, notice of such cancellation will be provided at least thirty (30) days in advance of the cancellation effective date to the certificate holder(s) with mailing addresses on file with the agent of record or the Company.
B. If this policy is cancelled by the company for non-payment of premium, or by the insured, notice of such cancellation will be provided within ten (10) days of the cancellation effective date to the certificate holder(s) with mailing addresses on file with the agent of record or the Company.
If notice is mailed, proof of mailing to the last known mailing address of the certificate holder(s) on file with the agent of record or the Company will be sufficient proof of notice.
Any notification rights provided by this endorsement apply only to active certificate holder(s) who were issued a certificate of insurance applicable to this policy’s term.
Failure to provide such notice to the certificate holder(s) will not amend or extend the date the cancellation becomes effective, nor will it negate cancellation of the policy. Failure to send notice shall impose no liability of any kind upon the Company or its agents or representatives.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00) Page 1 of 4 Process Date: 10/06/21 Policy Expiration Date: 11/15/22 © 2000, The Hartford
WORKERSí COMPENSATION BROAD FORM ENDORSEMENT
Policy Number: 30 WEC CU1547 Endorsement Number:
Effective Date: 11/15/21 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: DAVID TURCH AND ASSOCIATES
517 2ND ST NE
WASHINGTON DC 20002
Section I of this endorsement expands coverage provided under WC 00 00 00.
Section II of this endorsement provides additional coverage usually only provided by endorsement.
Section III of this endorsement is a Schedule of Covered States.
You may use the index to locate these coverage features quickly:
INDEX
SUBJECT PAGE
SECTION I 2
PARTS ONE and TWO 2
01 We Will Also Pay 2
PART - THREE 2
02 How This Insurance Works 2
PART - SIX 2
03 Transfer of Your Rights and Duties 2
04 Liberalization 2
SECTION II 2
VOLUNTARY COMPENSATION INSURANCE 2
05 Voluntary Compensation Insurance 2
A. How This Insurance Applies 2
B. We will Pay 3
C. Exclusions 3
D. Before We Pay 3
E. Recovery From Others 3
F. Employersí Liability Insurance 3
EMPLOYERSí LIABILITY STOP GAP COVERAGE 3
06 Employersí Liability Stop Gap Coverage 3
A. Stop Gap Coverage Limited Montana, North Dakota, Ohio, Washington, West Virginia and Wyoming
3 B. Part One does not Apply 3
C. Application of Coverage 3
D. Additional Exclusions 3
E. West Virginia 3
SECTION III 4
07 Schedule of Covered States 4
Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00) Page 2 of 4
SECTION I
PARTS ONE and TWO
1. WE WILL ALSO PAY
D. We Will Also Pay of Part One (WORKERSí
COMPENSATION INSURANCE); and
E. We Will Also Pay of Part Two
(EMPLOYERSí LIABILITY INSURANCE) is
replaced by the following:
We Will Also Pay
We will also pay these costs, in addition to
other amounts payable under this insurance,
as part of any claim, proceeding, or suit we
defend:
1. reasonable expenses incurred at our
request, INCLUDING loss of earnings;
2. premiums for bonds to release
attachments and for appeal bonds in
bond amounts up to the limit of our
liability under this insurance;
3. litigation costs taxed against you;
4. interest on a judgment as required by
law until we offer the amount due under
this law; and
5. expenses we incur.
PART THREE
2. How This Insurance Applies
Paragraph 4. of A. How This Insurance
Applies of Part 3 (Other States Insurance) is
replaced by the following:
4. If you have work on the effective date of this
policy in any state not listed in Item 3.A. of the
Information Page, coverage will not be afforded
for that state unless we are notified within sixty
days.
PART SIX
3. Transfer Of Your Rights and Duties
C. Transfer Of Your Rights and Duties of Part 6
(Conditions) is replaced by the following:
Your rights or duties under this policy may not be
transferred without our written consent.
If you die and we receive notice within sixty
days after your death, we will cover your legal
representative as insured.
4. Liberalization
If we adopt a change in this form that would broaden
the coverage of this form without extra charge, the
broader coverage will apply to this policy. It will
apply when the change becomes effective in your
state.
SECTION II
VOLUNTARY COMPENSATION AND EMPLOYERSí
LIABILITY COVERAGE
5. Voluntary Compensation Insurance
A. How This Insurance Applies
This insurance applies to bodily injury by
accident or bodily injury by disease. Bodily
injury includes resulting death.
1. The bodily injury must be sustained by
any officer or employee not subject to
the workersí compensation law of any
state shown in Item 3.A. of the
Information Page.
2. The bodily injury must arise out of and in
the course of employment or incidental
to work in a state shown in Item 3.A. of the
Information Page.
3. The bodily injury must occur in the United
States of America, its territories or
possessions, or Canada, and may occur
elsewhere if the employee is a United States
or Canadian citizen, or otherwise legal
resident, and legally employed, in the United
States or Canada and temporarily away from
those places.
4. Bodily injury by accident must occur during
the policy period.
5. Bodily injury by disease must be caused or
aggravated by the conditions of the officerís
or employeeís employment.
Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00) Page 3 of 4 The officerís or employeeís last day of
last exposure to the conditions causing
or aggravating such bodily injury by
disease must occur during the policy
period.
B. We Will Pay
We will pay an amount equal to the benefits
that would be required of you as if you and
your employees were subject to the workersí
compensation law of any state shown in Item
3.A. of the Information Page. We will pay
those amounts to the persons who would be
entitled to them under the law.
C. Exclusion
This insurance does not cover:
1. any obligation imposed by workersí
compensation or occupational disease
law or any similar law.
2. bodily injury intentionally caused or
aggravated by you.
3. officers or employees who have elected
not to be subject to the state workersí
compensation law.
4. partners or sole proprietors not covered
under the Standard Sole Proprietors,
Partners, Officers and Others Coverage
Endorsement.
D. Before We Pay
Before we pay benefits to the persons
entitled to them, they must:
1. Release you and us, in writing, of all
responsibility for the injury or death.
2. Transfer to us their right to recover from
others who may be responsible for the
injury or death.
3. Cooperate with us and do everything
necessary to enable us to enforce the
right to recover from others.
If the persons entitled to the benefits of this
insurance fail to do those things, our duty to
pay ends at once. If they claim damages
from you or from us for the injury or death,
our duty to pay ends at once.
E. Recovery From Others
If we make a recovery from others, we will
keep an amount equal to our expenses of
recovery and the benefits we paid. We will
pay the balance to the persons entitled to it.
If the persons entitled to the benefits of this
insurance make a recovery from others, they
must reimburse us for the benefits we paid them.
F. Employersí Liability Insurance
Part Two (Employersí Liability Insurance) applies
to bodily injury covered by this endorsement as
though the State of Employment was shown in
Item 3.A. of the Information Page.
This provision 5. does not apply in New Jersey or
Wisconsin.
EMPLOYERSí LIABILITY STOP GAP COVERAGE
6. Employersí Liability Stop Gap Coverage
A. This coverage only applies in Montana, North
Dakota, Ohio, Washington, West Virginia and
Wyoming.
B. Part One (Workersí Compensation Insurance)
does not apply to work in states shown in
Paragraph A above.
C. Part Two (Employersí Liability Insurance) applies
in the states, shown in Paragraph A., as though
they were shown in Item 3.A. of the Information
Page.
D. Part Two, Section C. Exclusions is changed by
adding these exclusions.
This insurance does not cover;
5. bodily injury intentionally caused or
aggravated by you or in Ohio bodily injury
resulting from an act which is determined by
an Ohio court of law to have been committed
by you with the belief than an injury is
substantially certain to occur. However, the
cost of defending such claims or suits in Ohio
is covered.
13. bodily injury sustained by any member of the
flying crew of any aircraft.
14. any claim for bodily injury with respect to
which you are deprived of any defense or
defenses or are otherwise subject to penalty
because of default in premium under the
provisions of the workersí compensation law
or laws of a state shown in Paragraph A.
E. This insurance applies to damages for which you
are liable under West Virginia Code Annot. S 23-
4-2.
Countersigned by
Authorized Representative
Form WC 99 03 02 B Printed in U.S.A. (Ed. 8/00) Page 4 of 4
SECTION III
7. SCHEDULE OF COVERED STATES
A. This endorsement only applies in the states
listed in this Schedule of Covered States.
B. If a state, shown in Item 3.A. of the Information
Page, approves this endorsement after the
effective date of this policy, this endorsement will
apply to this policy. The coverage will apply in
the new state on the effective date of the state
approval.
C. Schedule of Covered States:
CA, DC